Which payment innovation, first introduced in 1950, revolutionized retail by allowing consumers to 'buy now, pay later' and is considered the predecessor to modern credit cards?

Throughout history, payment systems have evolved dramatically, transforming commerce and retail experiences. From ancient bartering systems to modern digital transactions, payment innovations have shaped economies and consumer behavior. This trivia question focuses on a pivotal moment in retail payment history that fundamentally changed how consumers interacted with merchants and financial institutions.

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The Diners Club card
American Express Traveler's Cheques
The Western Union Money Order system
The Federal Reserve Check Clearing system